rudyrujohnson

Experience with a co-sponsor?

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Hello! I'm just wondering if anyone has had any similar experiences to ours and if they could give any insight maybe.. My fiance is unable to work due to PTSD from childhood trauma and is currently applying for disability. We have a co-sponsor, but they are currently unemployed, they are only able to sponsor because they have $130,000 in assets. They don't have any dependents so they meet the requirement for 125% above the poverty line for 2 people x5. Technically we meet the criteria that the government asks for, but I'm still worried it might get denied if they think my fiance being on disability and the co-sponsor having assets instead of income is not good enough..

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Hi, 

 

Applying for disability and actually getting it are 2 different things. Most cases are denied at first. The national average of initial denials is about 66%: https://www.ssa.gov/policy/docs/statcomps/di_asr/2011/sect04.html

Most people then get an attorney and appeal. However, the time to see a judge about the denial can be very long, in Phoenix, AZ looks to be about 17 months: https://www.ssa.gov/appeals/DataSets/01_NetStat_Report.html

And there is no guarantee he will end up winning his case. If it is for a psych disability, be aware that those cases are very difficult to prove.

 

Also, if you and your husband get support from his family or live with them, or if you decide to become employed, his disability payments can be substantially reduced. https://az.db101.org/az/programs/income_support/ssi/program2a.htm

Therefore, the co-sponsor's assets will be the most important.

 

Edited by databit

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46 minutes ago, databit said:

Hi, 

 

Applying for disability and actually getting it are 2 different things. Most cases are denied at first. The national average of initial denials is about 66%: https://www.ssa.gov/policy/docs/statcomps/di_asr/2011/sect04.html

Most people then get an attorney and appeal. However, the time to see a judge about the denial can be very long, in Phoenix, AZ looks to be about 17 months: https://www.ssa.gov/appeals/DataSets/01_NetStat_Report.html

And there is no guarantee he will end up winning his case. If it is for a psych disability, be aware that those cases are very difficult to prove.

 

Also, if you and your husband get support from his family or live with them, or if you decide to become employed, his disability payments can be substantially reduced. https://az.db101.org/az/programs/income_support/ssi/program2a.htm

Therefore, the co-sponsor's assets will be the most important.

 

Thank you for the information :) We know that its not as simple as applying, and its not even the disability thing that we're worried about, its just whether or not the co-sponsor's assets really will be accepted as enough.

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